Personal Banking

America's Best Checking™ Account

half circle logo
half circle logo

Compare Personal Checking Account Options

Whether you are searching for checking accounts with no minimum balance, or you want to earn interest and are able to maintain a minimum balance, you'll find the checking account that's right for you at Bell. 

$50 minimum deposit to open all checking accounts

America's Best Checking

America's Best Interest Checking

America's Best Premier Interest Checking

FREE Account Features and Benefits

  • FREE

    Nationwide ATMs

    Bell never charges you for using any ATM - ours or someone else's. Bell will automatically refund the first four ATM fees (charged by the machine owner) on your monthly statement. 
  • FREE

    Mobile App and Online Banking

    Pay bills, check balances, transfer funds, set alerts and deposit checks on your desktop or mobile phone. (There may be a fee for expedited Bill Pay.)
  • FREE

    Identity Theft Recovery

    With up to $10,000 expense reimbursement insurance (underwritten by Lyndon Southern Insurance Co.), even for non-Bell Bank accounts.
  • FREE

    Personalized Debit Card

    Make your debit card as unique as you. Proudly show off your children, pets, favorite vacation spot, or even your local sports team.
  • FREE

    Standard Checks

    Order unlimited standard check blanks online, in person or over the phone.
  • FREE

    Debit Card Manager

    Control debit card usage and spending on the go! Turn your debit card on and off, set transaction controls and receive alerts.
  • FREE


    Round up your debit card purchases, deposit the difference into your savings account & receive a 5% match* from Bell – up to $250 a year!
  • FREE


    Zelle® is a fast, safe and easy way to send and request money1 with friends, family and others you trust.

*The annual match limit is $250. You need to be enrolled in ChangeSaver and have your checking and savings accounts open on the last day of the year to receive your 5% match for the year. If you close either account before the end of the year, matching funds are forfeited. You may receive Form 1099-MISC for income you receive from us.

1 Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license. 1. Must have a bank account in the U.S. to use Zelle®.

5050DoubleLeft SneakyFees 2024

Compare Your Bank’s Sneaky Fees to Bell!

You’d be surprised where sneaky fees are hiding at your bank. Use our tool to compare fees at Wells Fargo, U.S. Bank and others with Bell to see how much you can save on out-of-network ATM charges and other service fees, and why it’s worth making the switch to Bell today.

Switch and See
How Customer Service Should Be


We answer the phone within 22 seconds, on average


We’re family- and employee-owned, and always put our customers first


Our in-house team is always ready to help, no appointment necessary


We take pride in delivering award-winning service

Bank at Bell

Choose from two convenient ways to open a checking account by signing up online or stopping by a location. Still have questions? Contact customer service toll-free at 800-450-8949. Weekdays from 7 a.m. to 10 p.m. CT, and weekends from 7 a.m. to 6 p.m. CT.